AYA Health Insurance

As your health is your most valuable asset, we offer comprehensive health insurance solutions. Start your journey toward better health with AYA Health insurance plans which are crafted to suit your lifestyle and needs.
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Medical and Hospital

  • Ambulance Services
  • Hospitalization Cost – Inpatient/ daycare admission to hospitals, Accommodation​, Medical treatment & services Intensive care​, Daycare services​
  • Chronic Conditions – First onset​ and Ongoing management​
  • Maternity Care – Pre-natal examinations​, Costs of normal childbirth/ C-section, Post-natal examinations​ (Waiting period applies​)
  • Thailand Zone – Hospitalization costs in Thailand zone only ​and Transportation costs for treatment not available in Myanmar​


  • Physician Fees and Specialist Fees
  • Prescription drugs/ dressings​
  • Diagnosis tests – Medical scanning​, Imagery services​
  • Optical Care – One annual vision test​, One pair of prescription lenses and frame​, Glaucoma test for participants over 45 years​
  • Vaccinations – Immunizations required by the Health Authorities of the country or by those of the country that the insured is visiting (Additional cover available in Cafeteria Plan)​

Dental Care

  • Dental Treatment
  • Dental Surgery recommended by dental practitioner

Personal Accident

  • Accidental Death
  • Loss of Sight/ Limb
  • Permanent Total  Disablement
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Choose from the following types of AYA Health Standard Plans to suit your needs!

  • AYA Health Plus
  • AYA Health Pro
  • AYA Health Prestige
  • AYA Health Prime

We also provide corporate customers with versatile health insurance solutions as Cafeteria Plan, meticulously customized to align perfectly with your unique needs.

Table of Benefits (in MMK) AYA HEALTH
Maximum Benefit
PRIME Plan only : Additional Limit of up to 44,000,000 MMK, applies to Thailand Zone
11,000,000 11,000,000 11,000,000 11,000,000
Medical and Hospital Benefits Benefits up to Benefits up to Benefits up to Benefits up to
Ambulance Services 165,000 165,000 165,000 165,000

Hospitalization Costs

  • Accommodation in a standard single-bedded room and meals:
  • Medical Treatment and services ordered by a Physician, including:
    • Surgeon's and Anesthetist's charges
    • Physician, Consultant and Nursing charges
    • Diagnostic Procedures (including CT, MRI and PET scans)
    • Surgical Appliances and Prostheses
    • Medicines, Drugs and Dressings
  • Intensive Care
  • Day-Care
Full Refund Full Refund Full Refund Full Refund
  • Post-Hospitalization Treatment
  • Nil
  • Nil
  • Nil
  • Nil
Chronic Conditions
  • First Onset
  • 11,000,000
  • 11,000,000
  • 11,000,000
  • 11,000,000
  • Ongoing Management
  • 5,500,000
  • 5,500,000
  • 5,500,000
  • 5,500,000
Maternity Cover (10 Months Waiting Period)
  • Pre-Natal Examinations by a Physician
  • All costs of Normal Childbirth or C-Section (elective or non-elective)
  • Post-Natal Examinations by a Physician
Nil Nil Nil 1,100,000
Thailand Zone
  • Hospitalization Costs
Nil Nil Nil 44,000,000
  • Transportation Costs
  • 2,200,000
  • Transportation Costs for Treatment not available in the Geographic Area
  • 5,500,000
  • Additional Deductible for Treatment outside the Geographic Area
  • 55,000
Outpatient Benefits Benefits up to Benefits up to Benefits up to Benefits up to
Physicians fees, Prescription Drugs and Dressings
Specialist and Consultant Fees
Diagnostic tests, medical scanning and imagery services
220,000 440,000 660,000 660,000
Optical Care
  • One annual Vision test
  • Glasses
  • Glaucoma Test for Participants over 45 years
Nil Nil Nil 220,000
Dental Care Benefits Benefits up to Benefits up to Benefits up to Benefits up to
Dental Treatment
Dental Surgery
Nil Nil Nil 220,000
Personal Accident Benefits Benefits up to Benefits up to Benefits up to Benefits up to
Accidental Death
Loss of Sight or Loss of Limb
Permanent Total Disablement
11,000,000 11,000,000 11,000,000 11,000,000
Health Bonus
Up to 10% of renewal premium from the first renewal year onward if no claim is made in the previous year
Renewal Period First Year Second Year Onward
Health Bonus % 10% 5%
Cashless Claim
Provides convenience and peace of mind for patients and their families without the worry for cash or hassle of carrying cash.
24 Hours Service
Providing 24/ 7 seamless after sales service to ensure customer experience is prioritized
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Any individuals, or Corporate Employees, between 15 days to 70 years of age.
A parent or guardian is required if to be insured is between 15 days to 18 years of age.

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Policy Term
Maximum one year policy term (renewable on a yearly basis)
Policy Limit
Limit ranging from MMK 11,000,000 to MMK 176,000,000
*based on Plan details
Premium Rating
Vary depend on age, the plan chosen, etc.
Premium Frequency
Annual Payment
*Installment payment (Quarterly, biannually) is also accepted for corporate customers.
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What documents are needed to insure?

  • Completed Proposal form
  • Medical Checkup Record
  • Copy of NRC (for individual)
  • Copy of Company Registration & Dominant Shareholder Information (For Company)

Do I need to go for any medical examination?

Yes, your application will be assessed based on the health declaration made by you.

Who is responsible to pay the ineligible expenses upon discharge?

The policyholder has to pay.

What is Waiting Period for Maternity Cover?

We will only pay up to the Policy Limits for maternity care when the Participant's expected delivery date is at least 10 months after the initial Date of Entry to this Policy

What is Health Bonus?

Premium discount up to 10% of renewal premium for the first renewal year and 5% of renewal premium from second renewal year onward will be granted as Health Bonus if no claim is made by each participant in the previous policy year and in accordance with our internal risk assessment guidelines

Digital Services

Easy for you to access your insurance policy via our digital platform

Key benefits

Cafeteria Plans

Choose and pick to customize your best-fit protection. Unlike others, we let you make your choice on your most preferred coverage. 

Flexible Payments

Make premium payments at your preferred plans. We allow premium payment quarterly, bi-annually or annually.

Health Bonus

Get your premium discount on your next policy term. We provide health bonus for partners with no claim in the policy year.

Not sure what you need?

Learn in seconds which types of insurance match your needs.

Not sure what you need?

Learn in seconds which types of insurance match your needs.